The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$15,028
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,496
−HK$475/mo
Today · 4.125%
HK$15,971
baseline
▲ 0.50% · 4.625%
HK$16,943
+HK$972/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$31,942/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,719
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,167
−HK$455/mo
Today · 4.125%
HK$17,622
baseline
▲ 0.50% · 4.625%
HK$18,551
+HK$929/mo
Deposit HK$3.30M · loan HK$3.30M · min. income ≈ HK$35,244/mo (50% DSR)
Upfront cash ≈ HK$3.49M (deposit + AVD stamp duty HK$194,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,034
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$18,595
−HK$570/mo
Today · 4.125%
HK$19,165
baseline
▲ 0.50% · 4.625%
HK$20,331
+HK$1,166/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$38,330/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,063
−HK$1,084/mo
▼ 0.25% · 3.875%
HK$20,601
−HK$546/mo
Today · 4.125%
HK$21,147
baseline
▲ 0.50% · 4.625%
HK$22,261
+HK$1,114/mo
Deposit HK$2.64M · loan HK$3.95M · min. income ≈ HK$42,294/mo (50% DSR)
Upfront cash ≈ HK$2.83M (deposit + AVD stamp duty HK$194,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,040
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$21,694
−HK$665/mo
Today · 4.125%
HK$22,359
baseline
▲ 0.50% · 4.625%
HK$23,720
+HK$1,361/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$44,718/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,406
−HK$1,265/mo
▼ 0.25% · 3.875%
HK$24,034
−HK$637/mo
Today · 4.125%
HK$24,671
baseline
▲ 0.50% · 4.625%
HK$25,971
+HK$1,300/mo
Deposit HK$1.98M · loan HK$4.61M · min. income ≈ HK$49,342/mo (50% DSR)
Upfront cash ≈ HK$2.17M (deposit + AVD stamp duty HK$194,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,051
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,892
−HK$855/mo
Today · 4.125%
HK$28,747
baseline
▲ 0.50% · 4.625%
HK$30,497
+HK$1,750/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$57,494/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$194,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,094
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,901
−HK$819/mo
Today · 4.125%
HK$31,720
baseline
▲ 0.50% · 4.625%
HK$33,392
+HK$1,672/mo
Deposit HK$659K · loan HK$5.93M · min. income ≈ HK$63,440/mo (50% DSR)
Upfront cash ≈ HK$853K (deposit + AVD stamp duty HK$194,064 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).